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Online health insurance quotes: variety of plans, prices

While the nation's economy may be on the mend, there are still plenty of Americans who have lost their employer-sponsored health coverage, and at the same time, the number of businesses subsidizing employee health insurance plans continues to wane. As a result, millions of Americans have found themselves forced to seek individual health insurance on the private health insurance market.

Traditionally, most of these new health insurance consumers have sought out insurance agents for help in choosing the right health plan with the lowest possible costs on the private market. But resources on the Web are now giving some of these consumers a competitive advantage by, in effect, becoming their own health insurance agents.

In recent years, consumers have increasingly taken control of their insurance-purchasing decisions by turning to health insurance Web portals such as healthinsurance.org. A variety of plan options -- and the option for privacy -- has been driving increased interest in these portals. In fact, traffic at healthinsurance.org is double the traffic of 2008.

Much of the interest is fueled by a desire for general consumer information about health insurance, including glossaries and guides to basic insurance concepts and general consumer tips. But visitors are increasingly doing online research for more specific information -- including comparisons of health insurance companies and personalized health insurance quotes -- before they purchase coverage.

The online experience can present a distinct advantage over the prospect of having to meet in person with an insurance agent for a health insurance quote. For one thing, relying on an agent typically limits your choices to a small range of plan options offered by the one or two health insurance companies an agent may represent. Online portals typically work with multiple insurance carriers, thus offering consumers a broad range of plans and plan benefits to compare.

And these health insurance Web sites now allow individuals to receive a actual health insurance quotes based on their individual data and circumstances. Users provide basic information such as postal ZIP code, gender, age and marital status, and in just seconds, sites can return a list of competing plans with a range of deductible, benefit and premium options.

Some portals -- including healthinsurance.org -- can provide health insurance quotes without requiring an individual to enter personal information, allowing them to bypass phone solicitation by a health insurance carrier and its agents. Privacy in the process of retrieving personalized quotes is one of the top advantages mentioned by consumers using healthinsurance.org.

There are, not surprisingly, exceptions. In some instances, users within specific states or regions of the country will be required to provide a name and phone number to receive a health insurance quote. If you are required to provide your name or number as a condition of receiving an online quote, be certain to read the "fine print." If you're not vigilant, you may be unknowingly allowing the site to sell your contact information -- and not just to one agent, but possibly to a number of health insurance companies, each of which may contact you.

If people in your ZIP code are required to provide a valid phone number to receive a quote from healthinsurance.org, your information goes to representatives of ONE insurance company, with an AM Best rating of A- or better, selected to serve your area. If you are contacted by multiple sources after filling out a form on our site, please report this abuse on our feedback form.